Posted by Reem Al-Hindi on 6/1/06 9:27am
Msg #123401

oath

what happened if you don't give an oath at the end of a signing?

Reply by Anonymous on 6/1/06 9:29am
Msg #123403

Notary police come and arrest you.

Reply by Reem Al-Hindi on 6/1/06 9:34am
Msg #123405

I like it

Reply by Ernest__CT on 6/1/06 9:34am
Msg #123404

Don't ever give the oath after the docs are signed! Either explain and give a blanket oath before the signing begins ("I have to give you an oath." "How can I swear that everything is true before I read it?" "If any document contains an untruth, don't sign it! We MAY be able to make corrections which will make it true." [Use extreme caution with that last sentence!]), or offer to give an oath for each document. Borrowers who opt for the one-oath-per-document plan usually change their minds after the third or fourth document and request the blanket oath.

Giving the oath is like having your journal signed: Always do them before the signing so that the borrowers can't "forget" or decide they just don't want to do it. YOU are in charge.

Reply by Anonymous on 6/1/06 9:42am
Msg #123406

How often do you get docs with no jurats in them? I'm new and I got a package last week with no jurats whatsoever in it. I got a little nervous. Went over the docs serveral times just to make sure I wasn't missing anything.

Reply by Reem Al-Hindi on 6/1/06 9:43am
Msg #123408

it happened to me once, but i think if no jurat no oath.

Reply by Missy_Lulu on 6/1/06 3:44pm
Msg #123491

Yes Reem, no jurat, no oath.
Jurats are on documents called affidavits.

Reply by Ernest__CT on 6/1/06 9:48am
Msg #123409

No jurats? In a loan package?!

I'd consider that VERY strange!

Reply by Becca_FL on 6/1/06 10:01am
Msg #123419

Re: No jurats? In a loan package?!

Many of the Countrywides that I do don't have docs w/ jurats just the mtg. w/ an ack. Of course this depends on what TC they are using and does vary.

Reply by Ernest__CT on 6/1/06 10:05am
Msg #123422

Mortgage == Ack. Sure!

And no notarial block on the Note at all. I'd just be surprised if there were no documents at all that required a sworn statement.

Reply by sue_pa on 6/1/06 10:53am
Msg #123439

Re: Mortgage == Ack. Sure!

As Becca says, many Countrywides only require one notarization on the Mortgage. One Chase package I do has only the Mortgage requiring notarization. Household/Beneficials only require the Mortgage. There are MANY different packages out there.